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Shopping for a mortgage in California? The 30-year fixed-rate home loan might be right for you. With this type of mortgage, you’ll have the comfort of knowing that your monthly payments will stay the same for the entire term.

Contact us today if you would like to receive a rate quote on a 30-year home loan in California, or continue reading below to learn more about it.

How a 30-Year Fixed-Rate Mortgage Works

A 30-year fixed-rate mortgage (FRM) keeps the same interest rate for the full repayment term. The monthly payments stay the same as well, even if you keep the loan for the full 30 years.

The 30-year FRM appeals to borrowers who are primarily concerned with payment consistency and predictability, and also want to minimize their monthly payments.

The Most Popular Type of Loan in California

Long considered the “workhorse” of the lending industry, the 30-year fixed-rate mortgage is the most popular type of home loan in California. Many borrowers prefer to minimize the size of their monthly payments, which is exactly what happens when you stretch the repayment term over a longer period of time.

This feature, combined with the long-term stability mentioned above, is what makes the 30-year fixed mortgage such a popular loan option among California home buyers and homeowners.

Both FHA and conventional loans can have a 30-year fixed-rate term. So you’re not limited to just one or the other. View other types of loans.

Get started: If you’re in the market for a home loan in California, please call us at (925) 478-8630, or email We’ll help you choose the right type of mortgage for your particular situation. We look forward to hearing from you!

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